Số 230 | Tháng 5/2025
Truyền thông công nghệ và đổi mới trong hoạt động kinh doanh ngân hàng: Tiếp cận bằng phương pháp hồi quy bảng động
Trần Thị Thanh Nga
Tóm tắt:
Nghiên cứu phân tích vai trò của truyền thông công nghệ và đổi mới (Technology and innovation communication - TIC) trong hoạt động kinh doanh ngân hàng bằng phương pháp hồi quy dữ liệu bảng động (Arellano & Bond, 1991). Bên cạnh đó, tác giả xem xét có sự thống trị của một số ngân hàng lớn tại Việt Nam trong hoạt động TIC hay không? Nghiên cứu đã tìm thấy hoạt động TIC có sự khác nhau giữa các nhóm ngân hàng, đặc biệt nhóm ngân hàng lớn, riêng với nhóm ngân hàng nhỏ, thì mối liên hệ chưa rõ ràng, do áp lực về chi phí quản lý cao làm hạn chế mức độ sẵn sàng thích ứng công nghệ. Ngoài ra, các biến đặc trưng ngân hàng cùng có mức độ và xu hướng tác động không đồng nhất đối với ổn định ngân hàng (BS) ở những nhóm tổ chức khác nhau. Phát hiện này rất quan trọng trong việc đề xuất xây dựng các chính sách phù hợp để thúc đẩy quá trình đổi mới công nghệ trong lĩnh vực ngân hàng, đối với nhóm những ngân hàng nhỏ bị giới hạn về nguồn lực nội tại. Bên cạnh đó, nghiên cứu đề xuất những hàm ý chính sách quan trọng cho các cơ quan quản lý, trong việc thiết kế các chiến lược phù hợp với từng ngân hàng để phát triển công nghệ nhằm thúc đẩy cạnh tranh ở bối cảnh chuyển đổi số.
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Technology and Innovation Communication in Banking Business: A Dynamic Panel Data Approach
Abstract:
The study analyzes the role of technology and innovation communication (TIC) in banking business activities using a dynamic panel data regression analysis (Arellano & Bond, 1991). In addition, do we consider whether some large banks in Vietnam dominate in technology and innovation communication activities? The study found that technology and innovation communication (TIC) activities are different between banking groups, especially the group of large banks. In particular, with the group of small banks, the relationship is not clear, possibly due to the pressure of high management costs, so the level of readiness to adapt to technology is not yet available. In addition, bank-specific variables also have different levels and trends of impact on BS in different banking groups. These findings suggest appropriate policies for small banks with limited internal resources to promote technological innovation in the banking sector. In addition, the study also proposes essential policy implications for regulators in designing appropriate strategies for each bank to develop technology to promote competition in the context of digital transformation.